Central Bank & Trust in Indiana vs the state
13.0%Denial rate-3.53 pts vs state
13.6%Decision denial rate-6.50 pts vs state
82.6%Origination rate+20.36 pts vs state
7.50%Median rate+0.75 pts vs state
0.34Rate spread (pts)-0.03 pts vs state
$106kMedian applicant income
19Loans originated
3Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 24 | 19 | 16.7% | 7.62% | #411 |
| 2024 | 31 | 24 | 22.6% | 8.00% | #394 |
| 2025 | 23 | 19 | 13.0% | 7.50% | #438 |
What Central Bank & Trust lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Central Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Floyd County | 9 | 8 | 1 | 11.1% |
| Clark County | 7 | 5 | 1 | 14.3% |
| Harrison County | 4 | 4 | 0 | 0.0% |
| Washington County | 2 | 1 | 1 | 50.0% |
| Hamilton County | 1 | 1 | 0 | 0.0% |
Other large lenders in Indiana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 13,503 | 18.6% | 6.75% |
| Ruoff Mortgage Company | A | 8,860 | 4.0% | 6.75% |
| Fifth Third Bank | D | 8,693 | 27.6% | 7.75% |
| United Shore Financial Services | B | 8,659 | 12.2% | 6.38% |
| Freedom Mortgage | B | 5,454 | 8.9% | 6.25% |
| Newrez | D | 5,421 | 18.2% | 6.63% |
| First Merchants Bank | C | 5,114 | 19.9% | 6.76% |
| Fairway Independent Mortgage | B | 4,813 | 7.4% | 6.75% |
| Mortgage Research Center | C | 4,791 | 19.0% | 6.25% |
| PNC Bank | D | 4,724 | 25.1% | 7.55% |
Frequently asked questions
Indiana: 23 applications in 2025, of which 19 were originated and 3 denied.
13.0% of all applications, or 13.6% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Central Bank & Trust originated in Indiana in 2025 was 7.50%, against a statewide median of 6.75%.
About this data. Figures are Central Bank & Trust's own HMDA filing for properties located in Indiana, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology